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Personal Liability for Volunteer Coaches
As a volunteer, coaching a sports team can be very personally rewarding. You teach children and young adults the value of good sportsmanship and the need for practice and discipline. Yet volunteer coaches often overlook their need for personal liability as they engage in sports activities. Although carefully drafted waivers and your homeowners policy provide some protection it is not safe to assume that a volunteer coach, because he or she is are unpaid, has no exposure or that a lawsuit can be avoided in all circumstances.
A primary concern is negligence. A coach’s duties to participants may include the duty of supervision, training and instruction, ensuring the use of safe equipment, providing competent and responsible personnel, warning of latent dangers, prompt and proper medical care, preventing injured participants from competing, and matching participants of similar competitive levels with laws and regulations varying from state to state. Thus, there are many opportunities where a volunteer coach can be alleged to be negligent and potentially named in a lawsuit where their assets become at risk.
Contact XINSURANCE today to learn more about personal liability for volunteer coaches and get a quote today!
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.